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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,526 | $77,638-40.1% | $156,551-70.3% | $62,881-26.0% |
| Participation rate | 70.6% | 71.2%-0.6pp | 84.0%-13.4pp | 69.3%+1.3pp |
| Annual return | 6.91% | 50.33%-43.4pp | 32.23%-25.3pp | 20.14%-13.2pp |
| Employer contribution / active EE | $2,016 | $3,444-41.5% | $5,501-63.4% | $2,281-11.6% |
| Participant deferral / active EE | $4,167 | $3,046+36.8% | $4,871-14.5% | $3,203+30.1% |
| Admin fee / account holder | $5,454 | $5,561-1.9% | $13,028-58.1% | $4,296+27.0% |